I applied for 10 personal and 6 business cards last year, and I’ve gotten denied for my recent applications with Capital One, Chase, and Barclays (already have 2). I can’t believe you can get 6 per quarter for years. I feel like we’re at a stopping point and have to give up on this game for 6 to 24 months. My husband thinks the game is over for us. We just started in June 2014.

I’m not going to call the Capital One reconsideration line for the denied credit below because it’s all true. I noticed you don’t promote Capital One cards on your website. Is it because they are difficult to get?

Based on your credit report from Equifax, too few or no revolving accounts have a balance

Based on your credit report from Trans Union, there are too many new revolving accounts

Based on your application information, income is insufficient for requested credit

This can be common issue for folks who’ve been collecting miles and points for a long time. But you don’t see it so often with folks who are new to the game!

Being Denied for Credit Cards Can Be Frustrating, Even for Folks Who’ve Been Collecting Miles and Points for a Long Time

Update: A credit card offer in this post, may no longer be available, but check the Hot Deals for the latest offers!

If you’re thinking of applying for credit cards this month, there are some limited time offers you may want to consider. Several cards are offering an increased sign-up bonus, but they won’t be around for long!

Disclosure: Emily & I get a commission for links on the blog. You don’t have to use our links, but we’re very grateful when you do. We don’t write about all the credit cards available in the US, but only the ones which get us miles and points or cash back for Big Travel with Small Money!

[Disclosure: Emily and I get a commission for some, but not all, of the links to the cards in this post. We let you know about the best offers even when they don’t pay us a commission! You don’t have to use our links, but we’re very grateful when you do!]

Million Mile Secrets reader Alex emails:

My parents-in-law recently moved to US and obtained Social Security Numbers and Green Cards. I want them to start a credit history, so they can enjoy sign-up bonuses as we are. Are there any credit cards they can apply for without credit history? Do you think I should add them as authorized users to my credit cards (will it help to obtain credit history)?

Alex’s in-laws will have a hard time getting approved for most miles and points credit cards because they don’t have a credit history. Banks are reluctant to lend to those with no credit history, including students and folks new to the US. But there are ways they can establish and build credit!

Alex Wants His In-Laws to Build Their Credit History so They Can Get Big Travel With Small Money!

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Million Mile Secrets, LLC Disclaimer: Content on Million Mile Secrets represents one individual’s experiences and viewpoints, and your travel experiences may differ. This website is intended for entertainment purposes only. The owner of this site is not an investment advisor, financial planner, nor a legal or tax professional. Articles here are of an opinion and general nature and should not be relied upon for individual circumstances. Research and obtain professional advice regarding all credit decisions before attempting to duplicate any of the techniques described on this website.

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